The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
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COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
SPDR S&P 500 ETF TR TR UNIT 78462F103 30,423 76,762 SH   SOLE   0 0 76,762
APPLE INC COM 037833100 366 2,999 SH   SOLE   0 0 2,999
ISHARES TR CORE S&P SCP ETF 464287804 13,880 127,889 SH   SOLE   0 0 127,889
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 93,151 963,196 SH   SOLE   0 0 963,196
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 638 10,516 SH   SOLE   0 0 10,516
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,062 7,219 SH   SOLE   0 0 7,219
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 33,880 900,577 SH   SOLE   0 0 900,577
ISHARES TR RUS 1000 VAL ETF 464287598 545 3,594 SH   SOLE   0 0 3,594
VANGUARD INDEX FDS SMALL CP ETF 922908751 350 1,636 SH   SOLE   0 0 1,636
VANGUARD INDEX FDS TOTAL STK MKT 922908769 892 4,315 SH   SOLE   0 0 4,315
ISHARES TR CORE US AGGBD ET 464287226 84,939 746,195 SH   SOLE   0 0 746,195
TESLA INC COM 88160R101 351 525 SH   SOLE   0 0 525
SMARTFINANCIAL INC COM NEW 83190L208 243 11,208 SH   SOLE   0 0 11,208
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 257 4,699 SH   SOLE   0 0 4,699